BD银行风险管理改进研究
发布时间：2019-06-04 09:59
【摘要】：本文通过回顾三个巴塞尔协议、风险管理方法、全面风险管理理论等主要内容,为研究BD银行风险管理找足理论依据和研究方法。然后,从风险体系状况、风险管理流程执行和反馈两个方面对BD银行风险管理进行了分析。发现由于风险管理意识落后、股权结构不合理、历史包袱重利润水平低、激励机制落后、风险管理人才不足等原因,致使BD银行存在风险管理体系不健全、管理流程不完善、一些风险指标呈劣化趋势、数据质量较差等问题。提出了树立全面风险管理观念、构建全面风险管理体系、完善风险管理流程强化执行和反馈、强化组织建设、提升人员素质等合理化建议,为BD银行改进风险管理体系更好地防控金融风险提供参考。
[Abstract]:This paper reviews the three Basle agreements, risk management methods, comprehensive risk management theory and other main contents, in order to find the theoretical basis and research methods for the study of BD bank risk management. Then, the risk management of BD bank is analyzed from two aspects: risk system status, risk management process execution and feedback. It is found that the risk management system of BD bank is not perfect and the management process is not perfect because of the backward consciousness of risk management, unreasonable ownership structure, low profit level of historical burden, backward incentive mechanism, shortage of risk management talents and so on. Some risk indicators show a deterioration trend, poor data quality and so on. This paper puts forward some reasonable suggestions, such as establishing the concept of comprehensive risk management, constructing the comprehensive risk management system, perfecting the risk management process, strengthening the implementation and feedback, strengthening the organizational construction and improving the quality of personnel, etc. It provides a reference for BD Bank to improve the risk management system to better prevent and control financial risks.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F272.3;F832.33
本文编号：2492648
[Abstract]:This paper reviews the three Basle agreements, risk management methods, comprehensive risk management theory and other main contents, in order to find the theoretical basis and research methods for the study of BD bank risk management. Then, the risk management of BD bank is analyzed from two aspects: risk system status, risk management process execution and feedback. It is found that the risk management system of BD bank is not perfect and the management process is not perfect because of the backward consciousness of risk management, unreasonable ownership structure, low profit level of historical burden, backward incentive mechanism, shortage of risk management talents and so on. Some risk indicators show a deterioration trend, poor data quality and so on. This paper puts forward some reasonable suggestions, such as establishing the concept of comprehensive risk management, constructing the comprehensive risk management system, perfecting the risk management process, strengthening the implementation and feedback, strengthening the organizational construction and improving the quality of personnel, etc. It provides a reference for BD Bank to improve the risk management system to better prevent and control financial risks.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F272.3;F832.33
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